Episodes

  • Building Wealth: Virginia Sellars Shares Her Expertise in Real Estate & Property Management

    Building Wealth: Virginia Sellars Shares Her Expertise in Real Estate & Property Management
    Oct 21 2025
    In this episode of Mosaic, we chat with Virginia Sellars, Head of Brokerage at Key Renter Property Management—Denver. With her extensive real estate and property management expertise, Virginia shares her inspiring journey of creating generational wealth and a lasting legacy through strategic property investments, property management, and real estate sales in the vibrant Denver, Colorado market. You can reach Virginia at: keyrenterdenver.com or 720.468.8276 Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #Efficientlending #Mortgagerates #Roguemedia Learn more about your ad choices. Visit megaphone.fm/adchoices
    Show More Show Less
    40 mins
  • Mosaic: The Stories of Real Estate - August 2025 Market Update

    Mosaic: The Stories of Real Estate - August 2025 Market Update
    Oct 6 2025
    Welcome to the September 2025 Mortgage and Real Estate Update, powered by MBS Highway. In this episode, I will review a particularly volatile month for mortgages. We experienced a Fed rate cut, which unexpectedly led to an increase in mortgage rates. Additionally, there was a significant revision from the Bureau of Labor Statistics regarding labor numbers, contributing to market fluctuations. Tune in for this month's update. As always, please call or text me anytime to continue the conversation. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices
    Show More Show Less
    20 mins
  • Mosaic: The Stories of Real Estate - 5 Tips to Reduce Cost When You Refinance

    Mosaic: The Stories of Real Estate - 5 Tips to Reduce Cost When You Refinance
    Oct 7 2025
    Welcome to Mosaic: The Stories of Real Estate. Today, I'll share five tips for refinancing your home. These tips will help you lower your mortgage costs and build generational wealth and a lasting legacy. Additionally, I'll discuss the government shutdown, our national debt, and the potential impacts on the real estate market. As always, I welcome your thoughts and would love to continue the conversation. Feel free to call, text, or DM me anytime! Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLS: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices
    Show More Show Less
    15 mins
  • The Fed's Rate Cut Paradox: Why Are Mortgage Rates Rising?

    The Fed's Rate Cut Paradox: Why Are Mortgage Rates Rising?
    Sep 22 2025
    Last week, the Federal Reserve cut interest rates, but surprisingly, mortgage rates increased. How is this possible, and was it anticipated? In today's episode of "Mosaic: The Stories of Real Estate," I explore the reasons behind the rise in mortgage rates despite the Fed's rate cut. I invite you to listen to the episode and reach out with any questions. Michael F Nelson, CEO - Efficient Lending, Inc 720.419.3016 or mike@efficientlending.net or @mike_lending NMLs: 1876539 NMLS: 1314188 #EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices
    Show More Show Less
    11 mins
  • Mosaic: The Stories of Real Estate - August 2025 Market Update

    Mosaic: The Stories of Real Estate - August 2025 Market Update
    Sep 10 2025
    Welcome to the August 2025 mortgage and real estate update, powered by MBS Highway. In today’s episode, I will discuss an eventful month for mortgages. Will September bring a rate cut from the Fed?A lot has happened regarding inflation, the Federal Reserve, and the Bureau of Labor Statistics (BLS) labor numbers. We are currently experiencing a market transition. If you are a borrower, seller, or agent, listen to this update for key insights into the market and what may lie ahead.Call, text, or DM me with any questions or to continue the dialogue.Michael F Nelson, CEO - Efficient Lending, Inc720.419.3016or mike@efficientlending.net or @mike_lendingNMLS: 1876539 NMLS: 1314188 Learn more about your ad choices. Visit megaphone.fm/adchoices
    Show More Show Less
    30 mins
  • Mosaic: The Stories of Real Estate July Update Powered by MBS Highway.

    Mosaic: The Stories of Real Estate July Update Powered by MBS Highway.
    Aug 5 2025
    Please tune in to the latest episode of Mosaic: The Stories of Real Estate, powered by MBS Highway, as we unpack a pivotal July in the real estate market. This month, we dive into the critical Bureau of Labor Statistics (BLS) data—could these numbers signal the turning point for interest rate cuts and a revitalized housing market? Join us for an in-depth analysis of the BLS figures, their implications, and expert insights into what August and beyond hold for real estate professionals and investors.DM's, calls, texts, and emails are encouraged. Please contact me anytime.Michael F Nelson, CEO - Efficient Lending, Inc720.419.3016or mike@efficientlending.net or Mike_lendingNMLS: 1876539 NMLS: 1314188#EfficientLending #MrtgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices
    Show More Show Less
    26 mins
  • The Mosaic Mid-Year 2025 Real Estate & Mortgage Recap: Powered MBS Highway

    The Mosaic Mid-Year 2025 Real Estate & Mortgage Recap: Powered MBS Highway
    Jul 1 2025
    On today's episode of Mosaic: Stories of Real Estate, join guests Tom Bonetto and Paul Gusiff as we break down the real estate and mortgage market trends for the first half of 2025. We'll revisit our January 2025 predictions, assess their accuracy, and share expert insights on what to expect for the remainder of the year. Tune in for a dynamic discussion packed with valuable updates and forecasts!Paul Gusiffpaul@paulgusiff.com562.947.2861Tom Bonettotom@lendingcoach.net 480.788.2658NMLS: 1431961Michael F Nelson, CEO - Efficient Lending.net720.419.3016or mike@efficientlending.net Mike_lendingNMLS: 1876539 NMLS: 1314188#EfficientLending #MortgageRates #RogueMedia Learn more about your ad choices. Visit megaphone.fm/adchoices
    Show More Show Less
    1 hr and 1 min
  • Unlocking Reverse Mortgages: Tim Harder from Fairway Independent Mortgage Joins Mosaic

    Unlocking Reverse Mortgages: Tim Harder from Fairway Independent Mortgage Joins Mosaic
    Jun 30 2025
    With over 21 years of expertise, Tim Harder from Fairway Independent Mortgage unravels the power of reverse mortgages in this episode of Mosaic. Discover how this innovative financial tool can enhance retirement planning, fund home purchases, and stabilize volatile markets. Tune in for actionable insights and expert guidance on confidently navigating reverse mortgages.Tim Harder - Fairway Independent Mortgage303.210.7015 and https://www.linkedin.com/in/timothy-harderMichael F Nelson, CEO - Efficient Lending, Inc720.419.3016 or mike@efficientlending.net or Mike_lendingHttps://efficientlending.netNMLS: 1876539 NMLS: 1314188#EfficientLending #Mortgagerates Learn more about your ad choices. Visit megaphone.fm/adchoices
    Show More Show Less
    1 hr and 3 mins